Kralster V's Halifax

[kralster]

Cheers Tilly.

 

How have you gotten on then? I was reading yours earlier, starting to know what you felt like, not even handed my papers in yet!!

 

I do have 1 question for someone that can answer it..

 

Nearly finished my 1st form, but what do i put in the bit i marked red? 8%?

 

he claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year, from 21/04/04 to 22/06/07 of £161.82 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of [enter the daily rate of interest]

 

Thanks

[kralster]

OOps, Sorry Tilly, it wasn't your post. It was Miz print's

 

it's been a long day!

[**Tilly**]

right your daily rate of interest is yours charges x 0.00022 = xxxx

[**Tilly**]

thats okay:)

[kralster]

sorry for being a bit dumb!

 

But

 

[(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day)]

=

1441.00+161.95 interest x 0.00022 = 0.352649

Does that look correct? do i round this figure down or put the lot in?

[sea-sidelady]

31p daily interest.

 

If you have an overdraft then its 35p

[**Tilly**]

1441.00 x 0.00022 = i didnt do od interest think that goes on the claim form under value will try to find out for you

[**Tilly**]

ive asked someone to come and have a look

[kralster]

31p daily interest.

 

If you have an overdraft then its 35p

 

I do have a small (£300) overdraft. But can i ask how you got 31/35p, only ask because i've got another form to fill out for my other acc!!!

 

Anyway, so now my form should look something like this...

 

Charges £1602.95

Overdraft Interest £161.95

Interest under s.69 County Courts Act 1984 £00.35

Court Fee £120.00

TOTAL £ 1722.95

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £0.35p per day OR at such rate and for such periods as the court deems just.

 

???

[kralster]

Thank You Tilly, and thanks sea-sidelady

[**Tilly**]

didnt see you up there ssl soz:)

[sea-sidelady]

if you dont have an overdraft just times your charges..

 

£1441.00 X 0.00022 = 31p

 

If you have an overdraft then you add the charges and interest

 

£1441.00 + £161.95 = £1602.95 Times this figure by 0.00022

 

£1602.95 X 0.00022 = 35p

 

I hope this is easy to understand.

[sea-sidelady]

didnt see you up there ssl soz:)

 

 

Thats ok Tilly, you were doing fine on your own..

[kralster]

Thanks

[kralster]

I'm REALLY sorry, but i still don't get the..

 

Interest under s.69 County Courts Act 1984 £xx.xx

 

Do i put .35p, presume i don't.....aaahh...i'm tooo tired, i can't think!!:?

[**Tilly**]

have a look on your sreadsheets it should give you the total 8% interest thats amount you put in and the 35p is your daily rate

[kralster]

I realise it will ne 35p a day, but i don't know how many days it will take!

 

I Presume i'm looking at this wrong or have completly the wrong end of the stick!

[kralster]

ooooh! i had the overdraft and the county courts ones mixed up!!

 

Charges £1602.95

Overdraft Interest £.

Interest under s.69 County Courts Act 1984 £161.95

Court Fee £120.00

TOTAL £ xx.xx

 

haha, so i now calculate my 35p a day for the amount of days since my 1st charge?!?!?!? that doesn't sound right!

 

Apologies everyone!

[**Tilly**]

you put your dates 21/04/04 to 22/06/07 8% interest xxxx and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of 35p thats it

[**Tilly**]

thats okay its better to ckeck and get it right have you got it sorted:)

[kralster]

RIGHT!

Hopefully this is it, but i think the bit i've marked in red is wrong!! (sorry)

 

5. Accordingly the Claimant claims:

a) the return of the amounts debited in respect of charges in the sum of £1441.00 and any interest charged thereon;

b) Court costs (do i put £120 here or leave as is);

c) The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year, from 21/04/04 to 22/06/07 of £161.82 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 35p

 

so far so good?

 

Charges £1602.95

Overdraft Interest £404.60

Interest under s.69 County Courts Act 1984 £161.95

Court Fee £120.00

TOTAL £ 2289.50

 

You all have the patience of angels! well, unless you've all pulled your hair out already!

[sea-sidelady]

Value:

Bank charges (and overdraft interest if claimed) - £1441.00

Data Protection Act Fee - £10.00 (if claimed)

S69 8% Interest - £161.95

Total of - £1612.95

Plus daily interest at 8% of £0.35p from the date of issue until settlement.

 

 

Amount claimed: Charges + Data Protection Act + s69 interest- £1612.95

Court fees: £XXX

Sols costs; None

 

Cheque payable to HMCS

[sea-sidelady]

I didnt add your overdraft interest on. But you get the jist of of it.

[**Tilly**]

have you got it sorted

[kralster]

OK, It's been a while but here is my latest......

 

1. i still don't get the interest bit!

2. I couldn't afford to go to the court last month, so i've not done that yet.

 

on the 9th of July the bank offered me £1040.50 (as a good will gesture)

I called the bank to refuse this, they told me to leave money in the bank and not touch it (it was due in my account in 14 days). I told them that wasn't acceptable and not to put the money in my bank in the 1st place.

The letter was worded in a way that i was accepting there offer if the money went into my account.

18th July, i notice £720.50 had gone into my account. (cash). I called the bank to see if it was them that put it there. They said no. hhmm, i didn't believe them, i think they are trying to catch me out.

19th July. I notice they have paid £320.00 into my other account..Bas****s. I called them again and had a proper go and i'm waiting for someone to get back to me. (someone has been 'getting back to me' for 3 days now).

Oh, i have recorded the last 3 conversations with them. I have prove of them lying to me and messing me about. (yes i did tell them i was recording the call)

I get paid monday 23rd. Even if i'm skint for the month i'm taking the *&$%>£?'s to court!

 

I just need to look at that interest thing again and get my head round it. I can't afford to mess this up now.